Read our latest news or insights on insurance types and plans

Dear Reader, What does your roof look like? When last did you climb up and inspect your roof for cracks, loose tiles etc? When last did you clear your gutters? What condition is it in and has it been properly maintained? Most of us never look at our roof and we wouldn’t be able to answer those questions. But knowing those answers will give you an advantage if the day ever comes that you need to submit a claim for your roof. In my experience, roof claims are very difficult, and claims are frequently rejected . Of course, as your broker, I want to help you ensure that your claim is successful should you ever need to claim for your roof. So, in this month’s newsletter, I am going to tell you the three things you need to know about roof-related insurance claims .

Dear Reader, I know that it’s a hard pill to swallow, but the sad news is that my epic three-part series is coming to an end this month. But don’t worry, I’ve got plenty of exciting content lined up after this one! Today it’s the season finale and it’s a subject that is probably one of the least understood amongst policyholders. No, I’m not talking about annual cost increases (sorry). But if you guessed ‘All Risk Items’, well then you’d be surprisingly correct. Today that’s what we’re covering. Otherwise known as ‘Portable Possessions’ or, as I like to call them, ‘ Stuff you take out of the house ’. Stuff you take out of the house is exactly what it sounds like - it’s any possessions that you leave the house with and which therefore isn’t covered by your household contents policy section. These possessions are insured under a section of your policy called ‘All Risk’ or ‘Portable Possessions’ . Statistically, we are all likely to have to claim against this part of our policy at some point. And yet, it’s one of the policy sections that clients least understand . Let’s change that.

Dear Reader, This month, we continue my riveting series that I began last month. In that newsletter, we looked at all the things you need to know about your vehicle insurance. This month, it’s Episode 2: Know your household contents policy In other words, we’re discussing your stuff, and the insurance that you’ve taken out (or perhaps haven’t taken out yet!) to protect it. Household contents cover insures your belongings against various listed dangers (or ‘perils’ as your policy may refer to them). Specific listed perils will vary from policy to policy but generally you can expect your household contents policy to cover your belongings against fire, floods and theft. Additional perils may or may not be covered depending on your policy and on the cover you chose. But as with most things in life, the ‘devil is in the details’ and you really need to know your policy in order to benefit from its cover. Before I continue, remember that my team and I haven’t been inside your house and we haven’t seen your possessions, so it’s your responsibility to make sure you check your policy and make sure that it covers your stuff adequately. In particular, please study your policy wording in detail as this is what the insurer is going to use when adjudicating a claim. The policy wording will inform you of what is covered, but more importantly, it will inform you of what is NOT covered - or what is excluded - from your policy. And now, to help you ensure that any future claim of yours is successful, here are three things you need to know about your household contents cover:

This month, I’m introducing our very own series. Critics say it is a sleeper hit. Some say Netflix is concerned. And now, with the series you’ve all been waiting for, I proudly introduce: Know Your Policy , and today is Episode 1: Know your Vehicle Insurance As you know from my previous newsletters, my priority is to make sure that you aren’t left disappointed by the outcome of your next insurance claim. But I need your help to ensure that your policy reflects your insured assets correctly.